Eleven insurers side by side: Embrace, Healthy Paws, Trupanion, Figo, Pets Best, ASPCA, Pumpkin, Lemonade, MetLife, Fetch and Odie, all of which cover both dogs and cats. What differs is the deductible (yearly or per condition), how much of a covered bill comes back (50 to 100 percent), the yearly payout limit, whether exam fees are covered, and whether the insurer can pay your vet directly. The table shows each of those for each insurer from its own published terms, reviewed September 21, 2026 (Trupanion's last verified in June 2026). It compares features, not prices, and ranks no one.
Educational content, not insurance or veterinary advice. This page may contain affiliate links; see disclosure below.
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One form, real quotes from multiple insurers side by side, on our partner . The feature table below is ours and never changes based on this partnership.
The basics that decide what you pay and get back. Tap any heading to sort. This compares features, not a ranking or live quotes, so confirm current terms on each insurer's own site before buying. Affiliate partners are listed first and labeled.
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| Insurer | Deductible | Reimb. | Annual limit | Exam fees | Direct vet pay | Notable | Partner link |
|---|---|---|---|---|---|---|---|
| ✦ Your match✦ Our partnerBest for dental illness cover | Annual | 70% or 90% | $10k or $40k | Add-on | By arrangement | Covers periodontal disease if, from age 3, the pet had a cleaning under anesthesia in the prior 13 months; exam fees are an extra-cost option | Get quote →~60 sec, on getodie.com |
| ✦ Your match Embrace Best for limit choice | Annual ($200-$1,000) | 70-90% | $2k - Unlimited | Add-on | No | Accident and illness enrollment up to age 14; orthopedic waiting period varies by state | Covered editorially; no partner link |
| ✦ Your match Healthy Paws Best for fast claims | Annual | Up to 90% | $5k - Unlimited | Not covered | By request | No per-incident or lifetime caps; claims paid in about 2 business days on average; maximum enrollment age varies by state | Covered editorially; no partner link |
| ✦ Your match Trupanion Best for direct vet payTerms last verified June 2026 | Per-condition (never resets) | 90% | Unlimited | Not covered | Yes | Pays your vet directly at checkout | Covered editorially; no partner link |
| ✦ Your match Figo Best for highest payback | Annual | Up to 100% | $5k, $10k or Unlimited | Add-on | On request | Up to 100% back; any licensed vet worldwide; no upper age limit | Covered editorially; no partner link |
| ✦ Your match Pets Best Best for deductible choice | Annual ($100-$1,000) | 70-90% | $5k - Unlimited | Add-on | Optional | No upper age limit; Vet Direct Pay is optional on every plan | Covered editorially; no partner link |
| ✦ Your match ASPCA Best for older dogs | Annual ($100, $250 or $500) | 70-90% | $2.5k - Unlimited | Included | No | No upper age limit; 14-day wait for accidents and illnesses | Covered editorially; no partner link |
| ✦ Your match Pumpkin Best for dental illness | Annual | 80% or 90% | $5k - Unlimited | Included | On request | Covers dental illness; no upper age limit | Covered editorially; no partner link |
| ✦ Your match Lemonade Best for app claims | Annual ($100-$750) | 70-90% | $5k - $100k | Add-on | No | Lemonade says approved claims can pay in minutes; sold in 42 states plus DC | Covered editorially; no partner link |
| ✦ Your match MetLife Best for no age limit | Annual ($0-$2,500) | 50-90% | $500 - Unlimited | Included | No | No upper age limit; may honor prior-covered conditions when you switch through an employer plan | Covered editorially; no partner link |
| ✦ Your match Fetch Best for broad coverage | Annual | 70-90% | $5k - Unlimited | Included | No | Broad single policy: dental, and behavioral therapy up to $1,000 a year | Covered editorially; no partner link |
Best for dental illness cover
Best for limit choice
Best for fast claims
Best for direct vet pay
Terms last verified June 2026Best for highest payback
Best for deductible choice
Best for older dogs
Best for dental illness
Best for app claims
Best for no age limit
Best for broad coverage
Reviewed September 21, 2026 against each insurer's published terms; the desk re-checks them every quarter. Trupanion's site could not be read at this re-check, so its row shows the terms as last verified in June 2026. Always confirm current terms on the insurer's own site before buying.
Odie is the one insurer we have a live link with today. Here is what its own help center and sample policy say, the strengths and the limits.
Worth knowing: Exam fees are an optional benefit at extra cost, and Odie pays the vet directly only where it has an arrangement with that clinic. If unlimited cover or paying the vet directly is your priority, compare it against those options above. (Odie sample policy, Odie help center)
Our partner pulls real quotes from multiple insurers in one place, so you can put prices next to the coverage differences above.
Embrace builds a quote around your pet's age, breed, and ZIP in about a minute, on embracepetinsurance.com. Its row in the table above compares the same way as everyone else's.
Most use an annual deductible (paid once a year). A few (e.g. Trupanion) use a per-condition deductible that never resets, cheaper for one chronic illness, pricier across several.
What you get back after the deductible, usually 70/80/90% (a couple reach 100%) (see the eleven at a glance above). Higher percentage means a higher premium but more back when you claim.
The yearly payout cap, from a few thousand dollars to unlimited. A low cap is where people get burned by a surgery or cancer year.
The charge for the visit itself. Some insurers include it; others exclude it or make it an add-on. On a big emergency bill, it adds up fast.
Roughly 14 days for illness, a few days for accidents, and 30 days to 6 months for orthopedic conditions (see the pet insurance comparison chart). Anything during the wait isn't covered.
Anything showing symptoms or diagnosed before coverage starts is typically never covered. That's why you insure early, and why switching insurers can cost you coverage.
Most insurers reimburse you after you pay the vet and file a claim. A few offer direct vet pay, where the insurer pays the clinic at checkout so you only cover your share, a big deal in a $5,000 emergency. Trupanion leads here; Pets Best and Healthy Paws offer it conditionally.
Straight answers to the questions owners actually search, so you can read any policy with confidence.
How coverage fits specific breeds and the conditions owners ask about most.
Orthopedic and cancer risk, and what to look for.
By breedBreathing, spinal, skin, and birth-related costs.
By breedA high cancer risk that shapes the coverage math.
CoverageWaiting periods and pre-existing rules that decide a claim.
CoverageIllness versus routine cleanings, and the fine print.
CoverageWaits of 14 to 180 days, and the second knee.
CoverageMedication riders, prescription food, and chart notes.
CoveragePayout limits, exam fees, and prior-cancer clauses.
By conditionEleven insurers side by side, condition by condition.
Most owners can't say what their plan really covers until they need it. Our free 60-second checkup walks you through the five numbers that decide whether yours holds up in a bad year, no signup, no uploads.
Run the free pet insurance checkup →Disclosure: This site may earn a commission from insurance or product links, at no extra cost to you, and it never changes what we write. Insurer details are gathered from public sources and may change; this is educational information, not advice. Confirm current terms directly with each insurer. About